Most insurances will pay 80% of the cost of home medical equipment, leaving the patient
responsible for 20% of the cost. However, if the patient has a secondary insurance, the
secondary insurance will usually pay the remaining 20%, therefore, the patient does not have
a balance. Because home medical equipment is under major medical policies, deductibles do apply.

Although insurance policies vary, most insurance policies have coverage for the following: canes,
walkers, wheelchairs, power chairs, scooters, hospital beds, oxygen, nebulizers, CPAP’s and BiPAP's,
lift chairs, etc. Insurance covers most items with the exception of bath/safety items and medical
supplies. However, the patient must have a diagnosis that qualifies the patient for the equipment.

Once the patient has met his/her deductible, primary insurance typically pays 80% of the cost,
leaving the patient responsible for 20%. However, if the patient has a secondary insurance, the
secondary insurance typically will pay the remaining 20%.